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Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Northwest Gowanda, Zip Code 14070, Erie County, New York (NY), Tract 0160.01

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    Home Mortgage Disclosure Act Aggregated Statistics

    • 210 Originated: 27 FHA, FSA/RHS & VA Home Purchase Loans for an average of $63,407, 49 Conventional for an average of $48,898, 78 Refinancings for an average of $53,077, 46 Home Improvement Loans for an average of $17,978, 1 Dwelling For 5+ Families for $98,000, 8 Non-occupant Loans on < 5 Family Dwellings for an average of $45,500, 1 Loan On Manufactured Home Dwelling for $21,000
    • 37 Applications approved, not accepted: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $53,500, 7 Conventional Home Purchase Loans for an average of $47,143, 18 Refinancings for an average of $56,444, 8 Home Improvement Loans for an average of $14,375, 1 Non-occupant Loan on < 5 Family Dwelling for $72,000, 1 Loan On Manufactured Home Dwelling for $21,000
    • 167 Denied applications: 2 FHA, FSA/RHS & VA Loans for an average of $42,500, 21 Conventional for an average of $44,571, 97 Refinancings for an average of $57,866, 39 Home Improvement for an average of $25,590, 8 Non-occupant Loans on < 5 Family Dwellings for an average of $35,500
    • 81 Loans withdrawn: 4 FHA, FSA/RHS & VA Home Purchase Loans for an average of $43,500, 5 Conventional for an average of $60,600, 60 Refinancings for an average of $59,117, 6 Home Improvement Loans for an average of $52,000, 1 Dwelling For 5+ Families for $72,000, 5 Non-occupant Loans on < 5 Family Dwellings for an average of $40,800
    • 9 Refinancings Closed for incompleteness for an average of $60,444

    Compared to the state average:

    • The number of loans originated per 1000 residents (231) is comparable to NY average (256). The average loan value for this tract ($45,514) is significantly below the state average ($214,957).
    • The number of loans not accepted per 1000 residents (41) is comparable to NY average (48). The average loan value for this tract ($44,892) is significantly below the state average ($209,181).
    • The number of loans denied per 1000 residents (183) is above NY average (120). The average loan value for this tract ($47,401) is significantly below the state average ($189,622).
    • The number of loans withdrawn per 1000 residents (89) is above NY average (69). The average loan value for this tract ($56,938) is significantly below the state average ($206,134).
    • The number of loans closed per 1000 residents (10) is significantly below NY average (20). The average loan value for this tract ($60,444) is significantly below the state average ($226,719).

    HMDA - Loans Count

    HMDA - Average Loan Value ($)


    Private Mortgage Insurance Companies Aggregated Statistics

    • 24 Loans originated: 16 Conventional for an average of $57,875, 6 Refinancings for an average of $67,333, 2 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $37,000
    • 11 Applications approved but not accepted: 4 Conventional for an average of $58,000, 6 Refinancings for an average of $68,167, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $31,000
    • 3 Denied applications: 1 Conventional for $53,000, 2 Refinancings for an average of $58,000

    PMIC - Loans Count

    PMIC - Average Loan Value ($)


    Private Mortgage Insurance Companies Disclosure Statistics

      Radian Guaranty:
    • Conventional Home Purchase Loan Originated for $76,000
      Genworth Financial:
    • Refinancing Approved but not accepted for $71,000
      Mortgage Guaranty Insurance:
    • Conventional Home Purchase Loan originated for $37,000
      PMI Mortgage Insurance:
    • 2 Originated: Conventional Home Purchase Loan for $87,000, Refinancing for $85,000
      Republic Mortgage Insurance:
    • Refinancing originated for $45,000
      United Guaranty Corporation:
    • Conventional Home Purchase Loan approved - not accepted for $31,000

    Statistics for this city, Zip Code 14070, Erie County, Tract 0160.01 - Office of the Comptroller of the Currency (OCC)

      JPMORGAN CHASE BANK (OH):
    • FHA, FSA/RHS & VA Home Purchase Loan Originated for $61,000
      FLEET NATIONAL BANK (RI):
    • Refinancing originated for $50,000
    • Refinancing Denied for $31,000
      NATIONAL CITY BANK (OH):
    • Conventional Home Purchase Loan Denied for $23,000
      NATIONAL CITY BANK OF INDIANA (IN):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $80,000
      PNC BANK, NA (PA):
    • Home Improvement Loan denied for $70,000
      FLEET NATIONAL BANK (RI):
    • Refinancing Denied for $45,000
      CITIBANK, N.A. (NV):
    • Refinancing Denied for $80,000
      WELLS FARGO BANK, NA (SD):
    • FHA, FSA/RHS & VA Home Purchase Loan Originated for $72,000
    • 2 Refinancings withdrawn for an average of $97,500
      COMMUNITY BANK, N.A. (NY):
    • Refinancing Originated for $55,000
    • 3 Loans denied: 2 Home Improvement Loans for an average of $7,500, 1 Non-occupant Loan on < 5 Family Dwelling for $7,000
      EVANS NATIONAL BANK (NY):
    • 2 Originated: 1 Refinancing for $56,000, 1 Non-occupant Loan on < 5 Family Dwelling for $56,000
      BANK OF AMERICA, N.A. (NC):
    • Refinancing Denied for $65,000
    • Refinancing Withdrawn for $98,000
      KEYBANK NATIONAL ASSOCIATION (OH):
    • Home Improvement Loan Approved , not accepted for $3,000
      WACHOVIA BANK OF DELAWARE (DE):
    • Home Improvement Loan originated for $17,000
      CHASE MANHATTAN BANK USA, NA (DE):
    • 2 Originated: 1 Conventional Home Purchase for $21,000, 1 Loan On Manufactured Home Dwelling for $21,000
    • 2 Approved - not accepted: 1 Conventional for $21,000, 1 Loan On Manufactured Home Dwelling for $21,000
      US BANK NORTH DAKOTA (ND):
    • Refinancing Approved , not accepted for $17,000
      NATIONAL BANK OF KANSAS CITY (KS):
    • 2 Home Improvement Loans Originated for an average of $54,500
      CHARTER ONE BANK (OH):
    • 2 Loans originated: 1 Refinancing for $26,000, 1 Non-occupant Loan on < 5 Family Dwelling for $26,000
      HSBC BANK USA, NA (DE):
    • Home Improvement Loan originated for $1,000
      RBS CITIZENS BANK, N.A. (NY):
    • Home Improvement Loan Originated for $60,000
      CITIMORTGAGE, INC (MO):
    • Refinancing denied for $20,000
    • Refinancing Withdrawn for $78,000
      HSBC MORTGAGE CORP (NY):
    • Refinancing originated for $67,000
      CHASE MANHATTAN MORTGAGE CORP. (NJ):
    • FHA, FSA/RHS & VA Home Purchase Loan Originated for $53,000
      NATIONAL CITY MORTGAGE CORPORA (OH):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $35,000
      ABN AMRO MTG GROUP INC (MI):
    • Refinancing Originated for $44,000
      FIRST FRANKLIN FINANCIAL CORP. (CA):
    • Refinancing Originated for $48,000
    • Refinancing denied for $48,000
      HOMEOWNERS LOAN CORPORATION (AL):
    • Refinancing Withdrawn for $41,000
      NATIONSCREDIT FINANCIAL SERVICE (TX):
    • 3 Conventional Home Purchase Loans denied for an average of $51,667
      WELLS FARGO HOME MORTGAGE (IA):
    • Conventional Home Purchase Loan Approved but not accepted for $50,000
    • FHA, FSA/RHS & VA Home Purchase Loan Withdrawn for $43,000

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    Home Mortgage Disclosure Act Statistics for this city, Zip Code 14070, Tract 0160.01 - Federal Reserve System (FRB)

      HSBC BANK, USA (NY):
    • Home Improvement Loan Originated for $15,000
      MANUFACTURERS AND TRADERS TRUS (NY):
    • Home Improvement Loan denied for $20,000
      FIVE STAR BANK (NY):
    • Conventional Home Purchase Loan Originated for $70,000
      PROVIDENT BANK (OH):
    • Home Improvement Loan denied for $46,000
      BANC ONE FINANCIAL SERVICES (IN):
    • Refinancing originated for $43,000
      JPMORGAN CHASE BANK (NY):
    • Refinancing originated for $36,000
    • Home Improvement Loan denied for $50,000
    • 2 Applications withdrawn: 1 Refinancing for $44,000, 1 Home Improvement for $50,000
      THE CIT GROUP/CONSUMER FINANCE (NY):
    • Conventional Home Purchase Loan Approved, not accepted for $34,000
      SUNTRUST MORTGAGE, INC (VA):
    • Refinancing denied for $68,000
      HSBC MORTGAGE CORPORATION (NY):
    • 3 Originated: 1 Conventional Home Purchase for $31,000, 1 Refinancing for $45,000, 1 Non-occupant Loan on < 5 Family Dwelling for $31,000
      COUNTRYWIDE HOME LOANS (CA):
    • Refinancing Originated for $46,000
      WELLS FARGO FIN'L CRED SERV NY (IA):
    • Refinancing denied for $42,000
      BENEFICIAL COMPANY LLC (IL):
    • Refinancing Originated for $121,000
    • Home Improvement Loan Denied for $10,000
    • 2 Loans withdrawn: 1 Refinancing for $55,000, 1 Home Improvement for $75,000
      M&T MORTGAGE CORPORATION (NY):
    • Refinancing Originated for $50,000
      HFC COMPANY LLC (IL):
    • Home Improvement Loan originated for $54,000
    • Home Improvement Loan denied for $75,000
    • 2 Refinancings withdrawn for an average of $68,000
      CITIFINANCIAL COMPANY(DE) (MD):
    • 2 Refinancings Approved , not accepted for an average of $31,000
    • Refinancing denied for $50,000
      CITIFINANCIAL MORTGAGE COMPANY (TX):
    • Refinancing originated for $20,000
    • Refinancing Withdrawn for $25,000
      FULL SPECTRUM LENDING (CA):
    • Refinancing originated for $43,000
      HFC COMPANY LLC (IL):
    • 2 Refinancings Denied for an average of $45,000
      E-LOAN INC (CA):
    • Refinancing Originated for $50,000
    • 2 Applications withdrawn: 1 Refinancing for $46,000, 1 Non-occupant Loan on < 5 Family Dwelling for $46,000

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    Statistics for this city, Zip Code 14070, Tract 0160.01 - Federal Deposit Insurance Corporation (FDIC)

      CATTARAUGUS COUNTY BANK (NY):
    • Home Improvement Loan denied for $1,000
      FIRST NIAGARA BANK (NY):
    • Conventional Home Purchase Loan Originated for $37,000
      FREMONT INVESTMENT & LOAN (CA):
    • 2 Conventional Home Purchase Loans Originated for an average of $22,000
      NORTHWEST SAVINGS BANK (PA):
    • Home Improvement Loan originated for $4,000
      CONSECO BANK, INC. (UT):
    • Refinancing Denied for $56,000
      GREATER BUFFALO SAVINGS BANK (NY):
    • Conventional Home Purchase Loan withdrawn for $106,000
      GMAC BANK (UT):
    • Refinancing originated for $45,000
    • Refinancing Denied for $41,000
    • 2 Refinancings Withdrawn for an average of $48,500

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    Home Mortgage Disclosure Act Statistics for Northwest Gowanda, Erie County, Tract 0160.01 - Office of Thrift Supervision (OTS)

      CHARTER ONE BANK (OH):
    • Refinancing originated for $87,000
      LEHMAN BROTHERS BANK, FSB (DE):
    • Refinancing Approved - not accepted for $56,000
      FLAGSTAR BANK (MI):
    • Conventional Home Purchase Loan Originated for $60,000
      HOME LOAN INVESTMENT BANK (RI):
    • Refinancing Denied for $50,000
      MIDFIRST BANK (OK):
    • Refinancing originated for $72,000
    • Refinancing Denied for $42,000
      AIG FEDERAL SAVINGS BANK (DE):
    • Refinancing Denied for $97,000
      FIRST NIAGARA BANK (NY):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $80,000
      CITIFINANCIAL MTG CO, INC (TX):
    • Refinancing denied for $20,000
      CHARTER ONE CREDIT CORPORATION (OH):
    • Refinancing approved, not accepted for $79,000
      GB HOME EQUITY, LLC (WI):
    • Home Improvement Loan denied for $45,000
      WILMINGTON FINANCE, INC. (PA):
    • Conventional Home Purchase Loan Denied for $39,000
      BNC MORTGAGE (NY):
    • Refinancing Denied for $81,000

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    Statistics for Northwest Gowanda, Erie County, Tract 0160.01 - National Credit Union Administration (NCUA)

      NFCU (VA):
    • Conventional Home Purchase Loan denied for $53,000
      CORNERSTONE COMMUNITY FEDERAL CREDIT UNION (NY):
    • Refinancing Originated for $45,000
    • Refinancing denied for $50,000
      WOODLAWN AUTO WORKERS FEDERAL CREDIT UNION (NY):
    • Refinancing Originated for $25,000

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    Statistics for Northwest Gowanda, Erie County, Tract 0160.01 - Department of Housing and Urban Development (HUD)

      AMERICAN BUSINESS FINANCIAL (PA):
    • 3 Withdrawn: 2 Refinancings for an average of $29,500, 1 Non-occupant Loan on < 5 Family Dwelling for $34,000
      WMC MORTGAGE CORP. (CA):
    • Conventional Home Purchase Loan denied for $33,000
      ADVANCED FINANCIAL SERVICES IN (RI):
    • Refinancing Denied for $25,000
      MORTGAGE LENDERS NETWORK USA (CT):
    • Refinancing Denied for $48,000
      MORTGAGE AMENITIES CORP. (RI):
    • Refinancing withdrawn for $52,000
      DECISION ONE MORTGAGE (NC):
    • Conventional Home Purchase Loan denied for $30,000
      OPTEUM FINANCIAL SERVICES LLC (NJ):
    • Conventional Home Purchase Loan withdrawn for $30,000
      NOVASTAR MORTGAGE, INC. (MO):
    • Refinancing Originated for $68,000
      NOVASTAR HOME MORTGAGE, INC. (MO):
    • Conventional Home Purchase Loan denied for $56,000
      HOME LOAN CENTER, INC. (CA):
    • Refinancing Withdrawn for $63,000
      ENCORE CREDIT CORP (CA):
    • Refinancing Withdrawn for $87,000
      ARGENT MORTGAGE COMPANY (CA):
    • Refinancing Originated for $43,000
      AEGIS LENDING CORPORATION (TX):
    • 2 Refinancings Denied for an average of $87,500
    • Refinancing withdrawn for $70,000
      AEGIS FUNDING CORPORATION (TX):
    • Refinancing Denied for $71,000
      FIRST RESIDENTIAL MORTGAGE (KY):
    • Refinancing denied for $58,000
      NEWDAY FINANCIAL, LLC (MD):
    • Refinancing denied for $53,000
      GREEN TREE SERVICING LLC (MN):
    • Conventional Home Purchase Loan Originated for $86,000
    • Refinancing denied for $10,000
      UVANTAGE HOME LENDING SERVICES (PA):
    • Refinancing approved - not accepted for $106,000
      PHH MORTGAGE CORPORATION (NJ):
    • Conventional Home Purchase Loan originated for $30,000
      HOMESTEAD FINANCIAL SERVICES (NY):
    • Loan on Dwelling For 5+ Families Withdrawn for $72,000
      HFC (IL):
    • 3 Refinancings Denied for an average of $85,333
    • 3 Refinancings Withdrawn for an average of $57,667
      AEGIS WHOLESALE CORPORATION (TX):
    • Refinancing originated for $31,000
    • 5 Denied applications: 1 Conventional Home Purchase for $37,000, 4 Refinancings for an average of $64,250
      GMAC MORTGAGE LLC (PA):
    • Refinancing Denied for $40,000
      BENEFICIAL (IL):
    • Refinancing withdrawn for $91,000
      ORIGEN FINANCIAL (MI):
    • Conventional Home Purchase Loan approved but not accepted for $62,000
      DELTA FUNDING CORPORATION (NY):
    • Refinancing Withdrawn for $70,000
      CUC MORTGAGE CORPORATION (NY):
    • Conventional Home Purchase Loan originated for $50,000
      DEVERE MORTGAGE CORPORATION (NY):
    • 4 Loans originated: 2 FHA, FSA/RHS & VA Loans for an average of $58,500, 1 Conventional for $29,000, 1 Non-occupant Loan on < 5 Family Dwelling for $29,000
    • FHA, FSA/RHS & VA Home Purchase Loan withdrawn for $32,000
      ACCREDITED HOME LENDERS, INC (CA):
    • Conventional Home Purchase Loan Originated for $48,000
    • Conventional Home Purchase Loan denied for $48,000
      CENTEX HOME EQUITY CORPORATION (TX):
    • 2 Refinancings Withdrawn for an average of $28,000
      NATIONSTAR MORTGAGE LLC (TX):
    • 2 Denied loans: 1 Refinancing for $20,000, 1 Non-occupant Loan on < 5 Family Dwelling for $20,000
      OPTION ONE MORTGAGE CORP (CA):
    • Conventional Home Purchase Loan Approved, not accepted for $42,000
      SIRVA MORTGAGE, INC. (OH):
    • 4 Withdrawn: 2 Conventional Home Purchase Loans for an average of $42,500, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $42,500
      AMERICAS MONEYLINE (VA):
    • Refinancing Denied for $83,000
      AMERIQUEST MORTGAGE COMPANY (CA):
    • Refinancing Closed for incompleteness for $34,000
      HOMESTEAD FUNDING CORP. (NY):
    • Refinancing originated for $29,000
      FIRST PRIORITY MORTGAGE, INC. (NY):
    • Conventional Home Purchase Loan originated for $30,000
      SAXON MORTGAGE (VA):
    • Refinancing Denied for $65,000
      AAMES FUNDING CORPORATION (CA):
    • Refinancing Withdrawn for $40,000

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